                &\multicolumn{1}{c}{(1)}\\
                &\multicolumn{1}{c}{Any bank transaction}\\
\midrule
Saving          &    0.003         \\
                &  (0.006)         \\
\addlinespace
Mobile Banking  &   -0.002         \\
                &  (0.006)         \\
\midrule
Observations    &    60000         \\
Control Mean    &    0.669         \\
p-Value Saving=MB&    0.442         \\
Wave FE         &      Yes         \\
